any questions asked or the answers you have given then please contact our Customer Services Department on 0808 164 8008.
Each renewal is the start of a new period of insurance. MiPet Cover: Is a trading name of CVS (UK) Limited which is an appointed representative of Insurance Factory Limited. Insurance Factory Limited is authorised and regulated by the Financial Conduct Authority (No. 306164). Registered in England and Wales number 02982445. Registered office: Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. You can check this by visiting the Financial Services Register at www.fca.org.uk/register Pet: Your dog or cat who lives with you all of the time at the address shown on your policy schedule . Policy: Your policy wording and most recent policy schedule. Policy wording: This document tells you what you can or cannot claim for under your policy . Policy schedule: The policy schedule shows details about you , your pet , policy limits and excesses that apply to the specific cover that you have purchased. Pre-existing condition: Any illness or injury or complication directly resulting from another injury or illness , whether diagnosed or undiagnosed that has been identified or investigated by a vet or is otherwise known to you prior to the start of the insurance. Terrorism: Means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear Treatment: Any examination, consultation, advice, tests, x-rays, ultrasound, CT scan, MRI scan, drugs, or medication administered or prescribed surgery, nursing, or care; provided by, or under the direction of, a vet . Unattended: Any occasion where your pet is left alone or out of sight. United Kingdom/UK: England, Scotland, Wales, Northern Ireland, and the Isle of Man. Variable excess: The percentage amount you are required to pay towards the costs of Treatment in addition to the Fixed excess . Vet/Veterinary/Veterinary Surgeon: A member of the Royal College of Veterinary Surgeons actively working as a veterinary surgeon in the UK . We/Us/Our: Insurance Factory Limited acting as administrators for West Bay Insurance Plc, registered in Gibraltar No 84085.Registered Office: 846-848, Europort, Gibraltar. Regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting Insurance business in the UK (Financial services Register Number 211787) These details can be checked on the Financial Services Register at www.fca.org.uk or by the Prudential Regulation Authority on 020 7601 4444. West Bay Insurance Plc. is a member of the Association of British Insurers. You/Your: The person named on the policy schedule who is the owner and carer for the pet . Consumer Insurance (Disclosure and Representations) Act 2012 When taking out your policy , you must take all care in answering all questions asked honestly and to the best of your knowledge. This includes anything asked within your application for insurance as well as any information relating to your pet’s medical history. Your failure to supply truthful answers could mean your policy is cancelled or your claim is not paid or fully paid. If you are not sure about
Introduction This is a pet insurance policy that lasts for 4 weeks (28 days). Your insurance contract is made up of this policy wording, your policy schedule and the information you gave when arranging this insurance or at any time after. To know exactly what is covered by your insurance contract you need to read your policy wording together with your policy schedule . In return for completing the application, we will in the event of injury , loss, or damage happening within the period of insurance provide insurance cover as described in the following pages and referred to in your policy schedule . Who provides your insurance? MiPet Cover pet insurance is arranged and administered by Insurance Factory Limited, authorised and regulated by the Financial Conduct Authority under Financial Services Register number 306164, a company registered in England and Wales (company number 02982445); registered at 45 Westerham Road, Sevenoaks, Kent TN13 2QB. Insurance Factory Limited is part of the Markerstudy Group of companies. The insurance is underwritten by West Bay Insurance plc. Registered in Gibraltar No 84085. Registered Office: 846-848, Europort, Gibraltar. Regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting Insurance business in the UK (Financial services Register Number 211787). These details can be checked on the Financial Services Register at www.fca.org.uk or the Prudential Regulation Authority on 020 7601 4444. West Bay Insurance Plc is a member of
the Association of British Insurers. The law that applies to this policy
You and we are free to choose the law applicable to the policy , but in the absence of agreement, to the contrary the law of the country in which you are resident at the time of the contract will apply. If you are not resident in the United Kingdom , the law which will apply will be the law of England and Wales and by purchasing this policy you have agreed to this. Travelling with your pet This policy is valid in the UK only. Renewal terms This policy will not renew, should you wish to have cover longer than 28 days you must start a full premium paying policy within the 4 week period. If we offer further periods of insurance , the premium and the policy terms will be subject to our underwriter terms at that time. Making changes once the policy has started Please contact us as soon as you are aware of any changes that need to be made to your policy , such as your postal address, phone number or email address. A change in your or your pet’s details may mean the premium for the rest of the period of insurance may change as well. Upgrading your cover Should you decide to start a premium paying policy within the 28 days allowed, the level of cover will be changed to reflect the cover applicable to your new premium paying policy .
4
5
Made with FlippingBook - Online catalogs